Figo | Pet Insurance Review

4.4

out of 5

Number of reviews 2,652

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.0
  • 4.4
  • Count
  • 1
  • 4
  • 2,652

Updated: May 29, 2024

  Figo offers customizable coverage built for millennial pet parents. Pick from one of their three comprehensive plans, then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. They’re the only pet insurance company to offer up to 100% reimbursement, so big vet bills won’t break the bank. Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet and easy mobile claim filing. No pet insurance company covers pre-existing conditions, but Figo is the only one who will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back.
5

out of 5

POSTED: | BY: Joanna Jaworska

Best insurance deal for my senior dogs out there

Just like with other insurance plans you have to read the fine print, consider all of the plan choices and make sure you pick the best plan for your circumstances. I was in a very difficult financial situation and my pet required medical attention that was extremely expensive. I was desperate. I wanted to save my pet and I felt like I won the lottery with the affordable coverage plan that I was approved for. Also the staff is always professional and promo. Thanks to Figo insurance my senior pet is alive and well. I would highly recommend it.
5

out of 5

POSTED: | BY: Amy H

5 stars!

We've only had great experiences with Figo for our dog over the last year! Our dog needed a large surgery for his back that they covered. His follow up care was covered too and our pup is as good as new. We are about to go on our second year with Figo and our rate has dropped! We received a cancellation letter that scared me but after calling Figo they explained that our policy is just going with a new underwriter and the price dropped way down.
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5

out of 5

POSTED: | BY: Mary

Fast claim payment and easy to file

I scanned an invoice and receipt and in TWO HOURS, the eligible reimbursement was in my checking account with clear explanation of the payment.
5

out of 5

POSTED: | BY: Kelly Bonds

So glad someone shared this company with me!

Great company that stands behind their word! Have filed three claims and processed efficiently and promptly with no hassle. I have shared with multiple friends....
5

out of 5

POSTED: | BY: Julie Hite

Quick and easy claim turnovers

FIGO has always treated us with kindness and respect. Claims are very easy to submit. Our first claim took approximately a week to 10 days for reimbursement. Every claim thereafter took no more than 48 hours for reimbursement. Amazing! Thank you FIGO. We recommend FIGO to all of our friends and acquaintances.
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Monthly Cost

$9 to $135 on average depending on chosen plan.

Coverage

You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Deductible

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Age Limits

Must be 8 weeks or older to enroll. No upper age limits apply.

Waiting Period

1-day for accidents, 14 days for illnesses, 6 months for hip dysplasia and orthopedic conditions. (Both hip dysplasia and orthopedic condition waiting periods can be waived by having exam/waiver form completed by veterinarian)

Exclusions

Curable pre-existing conditions may be eligible for coverage if symptom free for 12 months Conditions arising from a repetitive and specific activity, eg. Ingestion foreign object, ear infection caused by water, snake bites, etc. – excluded after 3 occurrences We now have a wellness option We have a diminishing deductible Copay & deductible waived for emergency life-saving treatment (in the case of an accident, not illness)
Figo Pet Insurance detail
Figo is committed to helping pets and their families enjoy their lives together. Figo’s cloud-based pet healthcare offering features everything pet owners need to manage their pet’s everyday lives, including coverage and medical claim information, digital pet tags and the latest lost and found technology. Any claims are reimbursed directly into your account using ACH. With three flexible pet insurance plans to choose from, owners can customize their reimbursement percentage and annual deductible, and Figo provides up to 100% coverage with unlimited annual medical benefits.
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